# Mudrick Mortgages

> Jeff and Emily Mudrick are licensed mortgage agents serving Ontario, Canada. Based in Newmarket, they serve Toronto, the GTA, York Region, and all of Ontario. Licensed under BRX Mortgage Inc. (Lic# 13463). 5.0 star rating across 175+ Google reviews. They shop 30+ lenders to find the best mortgage rate for every client - first-time buyers, renewals, refinancing, investment properties, and healthcare professionals.

## About

- [Meet the Team](https://mudrickmortgages.com/team): Jeff Mudrick (Mortgage Agent, Lic# M21001275) and Emily Mudrick (Mortgage Agent Level 1, Lic# M26000497)
- [Book a Call](https://mudrickmortgages.com/call): Pick your situation and book directly with Jeff or Emily. Free, 15-20 minutes.

## Services

- First-time home buyer mortgages across Ontario
- Mortgage renewals and rate comparisons
- Refinancing and equity access
- Investment property financing (20%+ down required)
- Healthcare professional mortgages (physicians, dentists, nurses, residents)
- Self-employed and non-traditional income mortgages

## Areas Served

- Toronto and the Greater Toronto Area (GTA)
- Newmarket, Aurora, Bradford, East Gwillimbury
- York Region: Vaughan, Richmond Hill, Markham
- Halton Region: Oakville, Burlington
- Kitchener-Waterloo, Barrie, Hamilton
- Mississauga, Brampton, and all of Ontario

## Free Tools

- [Ladder Down](https://mudrickmortgages.com/ladder): Interactive calculator for readvanceable mortgages. Draw available HELOC room, prepay the mortgage inside the annual prepayment privilege (no penalty), lock the slice at a lower rate, repeat yearly. Models the effective rate stepping down year by year with your own numbers - balance, HELOC room, rates, privilege, years left. Same payment, same total debt, less interest.
- [Bridge Loan Calculator](https://mudrickmortgages.com/bridge): Cost of bridging when you buy before your sale closes. Prime plus 4.00%, interest on a 365-day year.
- [Cash Damming](https://mudrickmortgages.com/cash): How self-employed and rental owners in Canada can make mortgage interest tax-deductible.

## Educational Resources

- [Ontario Mortgage Stress Test 2026](https://mudrickmortgages.com/blog/ontario-mortgage-stress-test-2026)
- [5 Things Your Bank Won't Tell You at Renewal](https://mudrickmortgages.com/blog/bank-wont-tell-you-at-renewal)
- [Physician Mortgages in Ontario](https://mudrickmortgages.com/blog/physician-mortgages-ontario)
- [Variable vs Fixed Rate in Canada 2026](https://mudrickmortgages.com/blog/variable-vs-fixed-rate-canada-2026)
- [First-Time Buyer Guide: Toronto and Newmarket](https://mudrickmortgages.com/blog/first-time-buyer-toronto-newmarket-2026)
- [How to Break Your Mortgage Early](https://mudrickmortgages.com/blog/break-mortgage-early-penalties)

## Key Facts

- Cost: $0 to the borrower. Brokers are paid by the lender at closing.
- Access: 30+ lenders including major banks, credit unions, and monolines.
- Stress test qualifying rate: higher of contract rate + 2% or 5.25%.
- CMHC insurance required for down payments under 20%.
- Ontario land transfer tax rebate for first-time buyers: up to $4,000.
- Renewal: you can switch lenders at term end with zero penalty.

## Contact

- Phone: 416-628-9682
- Email: emily@mudrickmortgages.com
- Healthcare and physician files: jeff@mudrickmortgages.com
- Website: https://mudrickmortgages.com